Life Insurance

Life insurance provides you peace of mind, knowing your loved ones will be taken care of when it matters most. It can replace lost income, pay off debt, help pay for your children’s education or pay for your final expenses. We will find the best rate and company for each individual or group situation.

Types of policies available:

Individual and Group Term LifeTerm insurance provides protection for a specific period of time, or term. The premium stays the same throughout the term and if the insured person dies during the term, the beneficiaries receive the proceeds tax-free.

10, 15, 20 and 30-year level premium policies are available through several companies.

Benefits of a term life insurance policy include:

Maximum coverage at an affordable price

Provides for a family's loss of income

Covers short-term debts and needs

Provides additional insurance protection during the child raising years

Covers specific financial responsibilities, like a mortgage or col-md-6lege education

Ability to add additional money into the policy on a tax-favored basis

Cash value you can use while you are living

Universal LifeUniversal life is a type of flexible permanent life insurance that allows you to build your policy's cash value or focus more on guaranteed protection. It offers the low-cost protection of term life insurance as well as a savings element, similar to whole life insurance. The death benefit, savings element and premiums can be altered as a policyholder's circumstances change. This type of policy allows the policyholder to use the interest from the accumulated savings to help pay premiums.

Benefits of a universal life insurance policy:

Payment flexibility

Tax-deferred cash value accumulation

Ability to access the policy's cash value

Estate and financial planning

Watch this two-minute, informative video to learn why life insurance is important.

Video compliments of MassMutual. MassMutual is one of our many insurance partners. We will find the appropriate company for your insurance needs.